Best Cheap Insurance for a Honda Civic in Hawaii

The chances of buying cheap insurance for a Honda Civic in Hawaii relies on a complex equation that considers factors like driver age, whether or not you garage your vehicle, and citations or violations on your driving record. Drivers pay on average $880 every 12 months to insure a Civic, but that price is an estimation based on rate data for a 50-year-old single male driver who purchased comprehensive and collision coverage and $500 physical damage deductibles.

Most likely you’re not a 50-year-old male, married instead of single, or maybe you have a speeding ticket that needs to be factored in. Just a minor difference in rating factors or requested coverage amount can make a huge difference in quoted rates.

Everone’s needs are different, and this illustrates why the best way to find affordable rates for your Honda is to quote often and with as many companies as possible.

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The trim level of your vehicle tends to have a direct impact on the annual cost of coverage, so the price you will be charged to insure a Civic DX 4-Dr Sedan trim level will be $292 cheaper than the insurance cost for the more expensive Civic SI 2-Dr Coupe version, as shown below.

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in vehicle location which can lower or raise coverage prices noticeably.

Establishing which insurers offer the most affordable auto insurance rates for a Honda Civic involves more work in order to find coverage that fits your buget. Each insurer uses different criteria for setting rates, so let’s take a look at the auto insurance companies that tend to have lower prices in Hawaii.

It’s important that you understand Hawaii auto insurance rates are impacted by many things which can significantly increase or decrease the cost of coverage. Simply improving your credit, moving across town, or having a fender bender can trigger changes in premium that can make some companies affordable when they were higher priced.

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google.charts.setOnLoadCallback(drawHIT5qcibChart);function drawHIT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘USAA’, 926, ‘#FF9333’], [‘State Farm’, 1120, ‘#D47A2A’], [‘GEICO’, 1389, ‘#B06523’], [‘Liberty Mutual’, 1406, ‘#92541D’], [‘Progressive’, 1624, ‘#794618’]]);var options = {title: ‘Low-Cost Car Insurance Companies in Hawaii’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1724,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

USAA may have some of the cheapest car insurance rates in Hawaii at around $926 a year. State Farm, GEICO, Liberty Mutual, and Progressive also qualify as some of the best Hawaii auto insurance companies.

In the above example, if you are a policyholder with State Farm and switched to USAA, you may realize an annual savings of in the neighborhood of $194. Policyholders with GEICO may save as much as $463 a year, and Liberty Mutual policyholders might reduce rates by $480 a year.

If you want to find out if you’re overpaying, click here to get quotes or click through to the companies below.

Understand that those policy prices are averaged for all drivers and vehicles in Hawaii and and are not calculated with a specific rating modification for a Honda Civic. So the company that has the lowest price for you may not even be included in the list of companies shown earlier. That illustrates why you need to quote rates from many companies using your own driver and vehicle profiles.

Rate increases following a ticket or accident

In a perfect world, the ideal way to score the best cheap insurance for a Honda Civic in Hawaii is to pay attention while driving and avoid accidents and traffic violations. The information below highlights how speeding tickets and at-fault fender-benders raise insurance prices for different ages of insureds. Data assumes a married male driver, comp and collision included, $100 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 3631,3935,4827],[‘Age 30’, 1877,2183,3075],[‘Age 40’, 1795,2103,2995],[‘Age 50’, 1647,1955,2843],[‘Age 60’, 1619,1929,2819],[‘Age 70’, 1865,2173,3065]]);var options = {title: ‘Effect of Tickets and Accidents on Hawaii Honda Civic Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic in Hawaii’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of a car insurance policy per year with a clean driving record and no accidents is $2,072. Get one speeding ticket and the average cost rises to $2,380, an increase of $307 each year. Now get one accident along with the one speeding ticket and the yearly cost of auto insurance for a Honda Civic jumps again to an average of $3,271. That’s an increase of $1,198, or $100 per month, just for not being more responsible behind the wheel!

Why are you paying too much for Civic insurance?

Hawaii auto insurance rates are impacted by many factors that may substantially change the policy price. Improving your credit rating, increasing deductibles, or getting a reckless driving citation can trigger changes in premium that may make certain companies more affordable than others. And not only may your rating factors change, but insurers change the rates they charge in Hawaii every year in order to be able to pay unexpected claims. An unexpected high level of claims may cause higher prices, while a better claims history can cause lower-priced Civic insurance rates.

To help illustrate this point, the graph below shows the cheapest car insurance in Hawaii for a 30-year-old female driver with no violations or accidents, and a high credit rating. If we estimate prices based on her current rating profile, USAA has the most affordable car insurance rates in Hawaii at $964 a year. This is $632 less than the average price paid by Hawaii drivers of $1,596. State Farm, GEICO, Liberty Mutual, and Progressive also make the list of the cheapest Hawaii auto insurance companies.

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Let’s now give the driver from the above example a couple of claims, less-than-perfect credit, and a blemish on her driving record. Since each auto insurance company has their own formula to set premium rates, comparing rates will most likely result in a completely different list of the cheapest car insurance companies in Hawaii as shown below.

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State Farm now has the cheapest price in Hawaii with GEICO, USAA, Allstate, and Liberty Mutual now being in the top five. This example shows why it is critical to shop around with many companies when trying to find cheap insurance rates for a Honda Civic. Car insurance prices can be altered by many things and change substantially, so the most affordable company two years ago may now be one of the more expensive options.

How to find cheaper auto insurance for a Honda Civic

It is possible to find better rates, and here are some of the better money-saving suggestions that can help Hawaii drivers locate cheap car insurance.

• Drive vehicles with five-star safety ratings
• On older vehicles, drop full coverage
• Bundle home and auto and save
• Serious violations like DUI or reckless driving can increase rates dramatically
• Claim-free policyholders usually earn a discount
• Avoid accidents
• Comparison shop at least once a year

The last idea is particularly critical, as was pointed out in this piece. Prices charged by car insurance companies can change in a short period of time, so don’t hesitate to change insurance companies if a better deal can be had. Brand loyalty is not necessarily bad, but it’s not recommended if that stubbornness costs you potentially thousands of dollars a year. It only takes a couple minutes to shop around to find cheaper auto insurance for a Honda Civic.

Cheap Honda Civic insurance quotes

You have a lot of ways to find cheaper auto insurance in Hawaii, but the three most common ways are using an exlusive agent such as Allstate or Liberty Mutual, a non-exclusive or independent agent, or from a direct company like Progressive or Geico.

You can use whichever method you prefer, but each is slightly different in how they provide price quotes.

Independent agents work for many companies and can get policy pricing from all of them. These agents are not employed by only one company and can provide you with more rates, which can help you get the best chance of saving money. If they find a cheaper price, your agent can just switch to a different company which prevents you from having to find a new agency.

A captive, or exclusive, agent is able to place business with a single company, for example Allstate and Liberty Mutual agents. These agents normally cannot compare rates from other companies, so if finding the cheapest coverage is your goal, you will need to shop around.

The third way to buy auto insurance is direct which means you bypass local agents and instead shop from a direct company like Esurance or Progressive. This auto insurance option may be good for consumers who do not have a complex risk profile and understand how auto insurance works and possible exclusions.

What is the best way for finding the best cheap insurance for a Honda Civic in Hawaii? The quick answer would be buying from a direct company yields the cheapest rates since there is no need to pay agent commissions, but that is not always the case. We could also assume that an independent agency results in the best rates due to more options, but that assumption is also not necessarily accurate. And occasionally, the exclusive agents have extremely competitive rates well below independent agents AND direct companies.

Since auto insurance rates vary so much, the only real way to find out which one is cheapest is to compare lots of quotes. Experts recommend getting price quotes all three ways to have a good selection of rates to choose from. For a list of companies with online discounts, click here to view.